Filing Flows › Usio (USIO) › Q2 2026
Usio (USIO) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 12, 2026
Usio (USIO) reported revenue of $23.7M for the second quarter 2026 (Q2 2026), +19% from a year earlier and -7% from the quarter before. Operating margin was 1.6%, net earnings $280K (1.2% of revenue).
Usio, Q2 2026: revenue $23.7M (+19% year over year), operating margin 1.6%, net earnings $280K, operating cash flow −$694K. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.7M | -7% | +19% |
| Gross profit | $5.7M | +11% | +11% |
| Operating profit | $377K | +67% | — |
| Net earnings | $280K | +129% | — |
| Operating cash flow | −$694K | -173% | — |
What changed
Revenue was $23.7M in Q2 2026, up 19% year over year and down 7% from the previous quarter. Credit Card Revenue was the largest line at 38% of revenue. Credit Card Revenue added $2.0M year over year (up 28%), 53% of the total change. ACH and Complementary Service Interest Revenue declined 49%.
Gross margin was 24.2%, down 1.6 points from Q2 2025. Operating profit was $377K, a 1.6% margin (up 3.6 points year over year). Operating expenses fell 3% while revenue rose 19%. Net earnings were $280K. The effective tax rate was 37.8%.
Operating cash flow was −$694K. Non-cash charges added back $286K of depreciation and amortization and $483K of share-based compensation. Working capital and other items used $1.7M. Capital expenditures of $134K exceeded it, leaving free cash flow of −$828K.
Questions
What was Usio's revenue in the second quarter 2026?
Usio (USIO) reported revenue of $23.7M for the second quarter 2026 (Q2 2026), +19% from a year earlier and -7% from the quarter before.
Was Usio profitable in the second quarter 2026?
Operating profit was $377K (1.6% of revenue) and net earnings $280K.
Source: Usio 10-Q on SEC EDGAR.